HarborOne Mortgage
Overview
The Loan Originator (LO) is responsible for originating their own sales by contacting prospective clients and by developing and maintaining referral sources. The LO spends significant time out of the office conducting sales calls, meeting with borrowers and attending closings. The LO has flexibility in setting working hours and daily tasks. The LO is compensated on a commission-only basis. Essential Duties
Originate mortgage loans (sales). Maintain ongoing, in-person contact with referral sources to ensure lead flow and relationships with borrowers, realtors, and other partners. Conduct sales calls, attend realtor meetings, open houses, functions, and trainings. Take thorough loan applications; analyze and prequalify applicant information to determine loan program viability. Pull and analyze credit reports and compare with borrower statements for accuracy. Correct inaccuracies and determine appropriate loan options based on the applicant’s situation and goals. Provide guidance on risks and benefits of each qualified program. Explain loan terms and ensure necessary documents are signed by the borrower. Gather initial documentation required by the chosen loan program, including disclosures. Provide loan package to the loan processor for review and pre-submission audit. Work with the loan processor to supply any letters of explanation or additional documentation required by underwriting to clear conditions and close loans. Maintain a compliant office file. Act as a liaison among all parties (buyer, seller, realtor, builder, title company, appraiser, credit vendors, etc.). Requirements
Thorough understanding of mortgage products, pricing, and guidelines. Up-to-date knowledge of regulatory compliance; participate in required trainings provided by HarborOne Mortgage. Ability to take accurate and thorough loan applications. Working knowledge of credit reports, DTI, LTV, and CLTV ratios. Excellent communication and interpersonal skills. Attention to detail and strong customer service. Ability to create and execute market penetration strategies for lead development and client conversion. Ability to self-source business through cold calling, appointments, and group presentations. Ability to establish marketing systems to source new business and maintain relationships with clients, realtors, builders, etc. Experience with Outlook, Microsoft Office, and similar software. Education
Minimum 1 year of Mortgage Origination experience is required. Physical Demands
While performing the responsibilities of this position, the employee must be able to communicate verbally and operate a keyboard. The employee may occasionally reach with arms and hands and may occasionally lift/move up to 10–15 pounds. Vision requirements include close vision. Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions.
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The Loan Originator (LO) is responsible for originating their own sales by contacting prospective clients and by developing and maintaining referral sources. The LO spends significant time out of the office conducting sales calls, meeting with borrowers and attending closings. The LO has flexibility in setting working hours and daily tasks. The LO is compensated on a commission-only basis. Essential Duties
Originate mortgage loans (sales). Maintain ongoing, in-person contact with referral sources to ensure lead flow and relationships with borrowers, realtors, and other partners. Conduct sales calls, attend realtor meetings, open houses, functions, and trainings. Take thorough loan applications; analyze and prequalify applicant information to determine loan program viability. Pull and analyze credit reports and compare with borrower statements for accuracy. Correct inaccuracies and determine appropriate loan options based on the applicant’s situation and goals. Provide guidance on risks and benefits of each qualified program. Explain loan terms and ensure necessary documents are signed by the borrower. Gather initial documentation required by the chosen loan program, including disclosures. Provide loan package to the loan processor for review and pre-submission audit. Work with the loan processor to supply any letters of explanation or additional documentation required by underwriting to clear conditions and close loans. Maintain a compliant office file. Act as a liaison among all parties (buyer, seller, realtor, builder, title company, appraiser, credit vendors, etc.). Requirements
Thorough understanding of mortgage products, pricing, and guidelines. Up-to-date knowledge of regulatory compliance; participate in required trainings provided by HarborOne Mortgage. Ability to take accurate and thorough loan applications. Working knowledge of credit reports, DTI, LTV, and CLTV ratios. Excellent communication and interpersonal skills. Attention to detail and strong customer service. Ability to create and execute market penetration strategies for lead development and client conversion. Ability to self-source business through cold calling, appointments, and group presentations. Ability to establish marketing systems to source new business and maintain relationships with clients, realtors, builders, etc. Experience with Outlook, Microsoft Office, and similar software. Education
Minimum 1 year of Mortgage Origination experience is required. Physical Demands
While performing the responsibilities of this position, the employee must be able to communicate verbally and operate a keyboard. The employee may occasionally reach with arms and hands and may occasionally lift/move up to 10–15 pounds. Vision requirements include close vision. Reasonable accommodations will be made to enable employees with disabilities to perform essential job functions.
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